basic bank accounts

MITZIW · 22 March 2010 at 3:44PM

i know most people open a co -op or barclays account but my partner has an overdraft with barclays that will go in the br so iwas just going to open a joint co-op account but then i heard that they will close it very easily if you bounce a dd etc. ive read that nationwide do a basic account and wondered if anyone knew if they are the same in regards to closing accounts? obv we will do our best to not go overdrawn on account but its just another thing to worry about suddenly losing account.

dojoman · 22 March 2010 at 4:05PM

The coop operate a 3 strikes rule before they close your account, as far as I know the coop and barclays are the 2 banks most likely to allow you to open an account, but you could always ask the nationwide and see what they say.

Whoopy · 22 March 2010 at 4:36PM

I went with Nationwide a few months before I went BR. Shoud have done it sooner though as only have a basic cash card....not a debit card. Been managing fine though, in fact makes me more careful with money as cant just use it whenever I'm shopping. Not the end of the world.

They know my situation but have had no problems with them.

sizzler · 22 March 2010 at 4:44PM

Dojos right i think most go for coop.

But yes remember three strike rule.:)

Whoopy · 22 March 2010 at 4:51PM

Oh, forgot to mention that in a couple of months Nationwide changing basic flex account and will be getting issued with a debit card so thats a bonus

:j

MITZIW · 22 March 2010 at 7:04PM

thanks all. is it just the co-op with the 3 strike rule? and do you get a debit card with them?

Doucam · 22 March 2010 at 7:09PM

Not sure about if it is just the co-op that has the 3 strike rule, but yes you do get a debit card with them, it is a debit card but not everyone sees it like that, noteably Tesco online, and Asda pay at pump.